Insurance for Entertainers | Entertainment Insurance
Open until 7.00pm Monday to Friday
Call Now 01270 767327
Open until 7.00pm Monday to Friday
Call Now 01270 767327
This is our standard terms of business agreement that will apply to any dealings you have with us unless you are notified to the contrary.
We offer a range products from a range of insurers for general insurance.
You will not receive advice or recommendation from us for general insurance. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
We are paid by commission that forms part of the premium paid or
by a fee that we agree with you before you commit to the insurance
or by a combination of these.
We may also charge a fee in the in the following circumstances:-
£10.00 for a policy renewal.
£25.00 for any mid term adjustments to the policy in addition to any
insurer charges.
£25.00 for cancellation of a policy in addition to any insurer
charges.
£25.00 for each request for duplicate certificates.
£25.00 for each request for duplicate policy documents.
£15.00 for provision of insurance details to third parties.
On request we will tell you how much we have been paid for our
services relating to your policy.
Prior to the conclusion of each insurance contract, or upon renewal, we will remind you of your right to be advised of the level of commission we receive from underwriters. You are entitled, at any time, to request information regarding commission we may have received as a result of placing your insurance business.
It is our intention to provide you with a high standard of
service at all times but if you wish to register a complaint, please
contact us:
In writing: to the David J Burton, Managing Director at the above
address
By e-mail: to djb@blackfriarsgroup.co.uk
By telephone: 01270 767327
By fax: 01270 768585
If you cannot settle your complaint with us you may be able to refer
to the Financial Ombudsman Service.
We are covered by the FSCS and you may be entitled to
compensation from the scheme if we cannot meet our obligations. This
depends on the type of business and the claim circumstances.
For compulsory classes of insurance, advising and arranging is
covered for 100% of the claim, without upper limit. For other
classes cover is for 100% of the first £2,000 and 90% of the
remainder of the claim, again without any upper limit.
Further information about the compensation scheme arrangements is
available from the FSCS.
Your money is held in a client account managed in accordance with
FSA statutory trust rules until it is passed to the insurer or
returned to you. We will retain any interest earned on this account.
Some insurers have appointed us as agents for the receipt of money
and where this applies they specify the banking arrangements for
their money.
We will only use your money to pay insurers or intermediary brokers
for your insurance. As an extra safeguard, we will only take
commission from an insurer after we have paid them your premium.
You are responsible for paying premiums by the due date. We have
no obligation to fund premiums for you and have no responsibility
for any loss you may suffer as a result of the insurer cancelling
the policy due to non-payment.
We normally accept payment by cash, cheque, debit or credit card.
Direct debit facilities may be available with your insurer. Please
ask for details.
We offer instalment facilities through a single provider, Close
Premium Finance, with a 30% deposit and the balance paid over 10
months. We provide details of interest payable if you are interested
in this option.
It is your responsibility to provide complete and accurate
information to insurers when you take out your insurance policy.
It is important that you ensure all statements you make on proposal
forms, claim forms and all other documents are full and accurate.
If you fail to disclose any material facts to your insurers at the
outset or other relevant time including renewal this may invalidate
your insurance and result in all or part of a claim not being paid.
If you are unsure what constitutes a material fact you may ask us
for guidance.
When a policy and related documents, e.g. policy summary, demands
and needs statement, are issued you are strongly advised to read
them carefully as they form the basis of the cover you have
purchased.
If you are in doubt over any of the policy terms or conditions,
please seek our advice promptly.
Retail clients have the right to cancel new policies within 14
days of receipt and renewal instructions within 14 days of renewal.
If this right is exercised insurers will charge for the cover
provided including administration costs. Full details are provided
in your policy summary.
This right is in addition to any other cancellation right retail
clients have after expiry of the 14-day period.
For commercial clients if there is any right to cancellation or
refund this is detailed in your policy.
Our own charges are separate and if the policy is cancelled at any
time these will not be refunded.
Any return premiums allowed by insurers due to cancellation will be
reduced by the amount of commission we receive.
Insurers share information with each other to aid the prevention
of fraudulent claims. In the event of a claim information is placed
on industry registers for analysis.
Under the Data Protection Act you have the right of access to your
personal records held on our files and we will tell you the fee if
you ask us for a copy of your information.
Confidential data is not otherwise shared with other parties unless
it is a legal or regulatory requirement.
If you want to claim on your policy you should use your insurer
claim line (details in your policy) or notify us immediately by
telephone 01270 767327 or by e-mail to
mail101@blackfriarsgroup.co.uk.
You should not admit liability nor agree to any course of action,
other than emergency measures carried out to minimize the loss,
until you have agreement from either your insurer or us.
Where required we will provide you with reasonable guidance in
pursuing your claim for as long as you remain a customer of
Blackfriars Insurance Brokers Limited.
Unless we specifically advise to the contrary we will stand by quotations for 30 days from date of issue.
We reserve the right to retain certificates at this office until all payments due under the policy have been made and any cheques cleared through our bank account. By accepting this agreement you agree that delivery of any certificate of insurance to Blackfriars Insurance Brokers Limited shall constitute delivery to yourselves in accordance with statute law.
The laws of England & Wales govern this agreement and the parties agree that any dispute arising from it is subject to the exclusive jurisdiction of the English courts.
